What We Insure

Take a look below at some of the insurance services we provide.
Click Here to view some of the carriers we represent. Then let one of
our agents discuss your needs and help you find the best option for you and
your family. You can also request a quote using our online quote forms.

Auto Insurance that fits your needs!

We have access to multiple A Rated, Admitted carriers to find you the best coverage for the best price. Please complete our quote questionnaire and we'll have a response to you within 1 business day. If you need a quote now and it is during our hours of operation, please feel free to give us a call.

HOME INSURANCE, CONDO & RENTERS FREE QUOTE at UNITY BROKERAGE

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. UNITY BROKERAGE provides the best Homeowners, Renters and Condo Insurance for Residents in New York.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Maintenance-related problems are the homeowners' responsibility.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. It only takes a few minutes to fill out the E-quote form and we will make every effort to insure that you are insured for your home.

BUSINESS INSURANCE at UNITY BROKERAGE

It's not just any business, it's your business. UNITY BROKERAGE has the right coverage to take care of it. Small business is who we are, it's what we know, it's the place we come from every day.

It all starts with an agent, a small business owner like you. Someone who understands how much hard work goes into every success, and who'll be there to help protect all that you've earned.

Talk to an Agent at 516-673-4252, call now!

Successful small businesses have one big thing in common: a Unity agent at their side. Small business owners are the people we work with every day. They depend on our coverage. They constantly show us what it takes — and what it means — to have their own business. UNITY BROKERAGE represents top-of-the-line Insurance carriers and offers custom insurance programs for all types of business insurance needs. Regardless of the size of your business, we can tailor programs to fit your needs. We've assisted consumers and businesses in their search for affordable business and commercial insurance in New York for years.

UNITY BROKERAGE offers the following business insurance products and services: • Property & Casualty• Liability Automobile Fleets• Worker's Compensation• Bonds• Group HealthIn addition to our general business programs, we have custom insurance programs for your business needs.

Contact UNITY BROKERAGE today and get the protection you business needs and deserves!

Many of the small businesses we work with are listed here, and this list is always expanding. Even if you don't see your category specifically mentioned, be sure to contact an agent to help you get started.

We have access to multiple A Rated, Admitted carriers to find you the best coverage for the best price. Please complete our quote questionnaire and we'll have a response to you within 1 business day. If you need a quote now and it is during our hours of operation, please feel free to give us a call.

A life insurance policy is a contract with an insurance company. In exchange for premiums (payments), the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries in the event of the insured's death.

Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It's important to note that death benefits from all types of life insurance are generally income tax-free.1

There are many varieties of life insurance. Some of the more common types are discussed below.

Term life insurance

Term life insurance is designed to provide financial protection for a specific period of time, such as 10 or 20 years. Typically, premiums are level and guaranteed for that time. After that period, policies may offer continued coverage, usually at a substantially higher premium rate. Term life insurance is generally a less costly option than permanent life insurance.

Needs it helps meet: Term life insurance proceeds are most often used to replace lost potential income during working years. This can provide a general safety net for your beneficiaries and can also help ensure the family's financial goals will still be met—goals like paying off a mortgage, keeping a business running, and paying for college.

It's important to note that, although term life can be used to replace lost potential income, life insurance benefits are paid at one time in a lump sum, not in regular payments like paychecks.

Universal life insurance

Universal life insurance is another type of permanent life insurance designed to provide lifetime coverage. Unlike whole life insurance, universal life insurance policies are flexible and may allow you to raise or lower your premium or coverage amounts throughout your lifetime. Like whole life insurance, universal life also has a tax-deferred savings component, which may build wealth over time. Additionally, due to its lifetime coverage, universal life typically has higher premiums than term.

Needs it helps meet: Universal life insurance is most often used as a flexible estate planning strategy to help preserve wealth to be transferred to beneficiaries. Another common use is long term income replacement, where the need extends beyond working years. Some universal life insurance product designs focus on providing both death benefit coverage and building cash value while others focus on providing guaranteed death benefit coverage.

Whole life insurance

Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Because of the lifetime coverage period, whole life usually has higher premiums than term life. Policy premiums are typically fixed, and, unlike term, whole life has a cash value, which functions as a savings component and may accumulate tax-deferred over time.

Fidelity does not currently offer whole life insurance.

Needs it helps meet: In addition to providing lifetime coverage, whole life is commonly used to accumulate tax-deferred savings. Whole life can also be used as an estate planning tool to help preserve the wealth you plan to transfer to your beneficiaries.